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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $54,335 | $72,273-24.8% | $101,275-46.3% | $79,856-32.0% |
| Participation rate | 86.1% | 68.5%+17.7pp | 75.8%+10.3pp | 69.6%+16.5pp |
| Annual return | 10.99% | 22.30%-11.3pp | 46.48%-35.5pp | 31.71%-20.7pp |
| Employer contribution / active EE | $1,991 | $2,691-26.0% | $3,660-45.6% | $2,471-19.4% |
| Participant deferral / active EE | $3,695 | $3,282+12.6% | $4,371-15.5% | $3,741-1.2% |
| Admin fee / account holder | $607 | $4,401-86.2% | $5,948-89.8% | $5,306-88.6% |